Compliance & Risk Analyst with Underwriting Experience

Noel King Arcadia, CA 626-***-**** *************@*****.***

Employment History 2014-2025

BSA Analyst and Internal Auditor - Workday, Los Angeles, CA 12/2023 to present

Compliance monitoring and testing: performing audits of customer accounts for adhearnce to policies and procedure

Developing feedback reports for risk appetite reporting

Trainer participant

Reporting of out-of-scope cases

Cross-functional collaboration with multiple departments to provide guidance and feedback to support them in meeting compliance requirements

Identifying issues with processes and developing training materials and presentations to include departments for process enhancements and changes

Assist in all facets of information dissemination, policy and procedure changes, regulatory compliance monitoring and reporting, and supporting the implementation of regulations, risk changes, and audit feedback recommendations

Compliance Analyst and Jr. Internal Auditor - Universal Bank, West Covina, CA 12/2022 — 6/2023

In branch audits of processes and procedures including CIP

Updated policies and procedures and monitored industry changes to ensure policy accuracy

Supported the implementation of the firm’s compliance policies and training program

Tracked and conducted compliance testing

Audited complaints and resolution processes, CRA processes and findings, banking processes, policies, and procedures

Deep dives of member transaction patterns and research member accounts for suspicious activity

Reviewed and analyzed large volumes of banking transactions, wire transfers and ACH transactions to determine if fraud activity has occurred.

Verafin alert clearing, OFAC

Senior QC Underwriter - UHS America, Santa Ana, CA 11/2019 — 9/2025

Due diligence closed loan underwriter for FHA, VA, Jumbo, Non-QM, and Conventional products.

Remote underwriting of closed products for compliance, underwriting validation, and investor requirements.

Senior Underwriter - 1st Reliant Home Loans. Inc. Tustin, CA 6/2020 — 4/2022 (Closed)

Responsible for underwriting Conventional, Jumbo, and Non-QM, DSCR, Bank Statement, Ascent, Credit Ascent and HNW products to agency and investor guidelines.

AUS – DU/LP, and Encompass.

Increased revenue and staff quadrupled, market changed, company wound down.

Senior Risk and Control Analyst - Bank of America, Pasadena, CA 7/2017 — 7/2018 (Closed Location)

Assisted customers with all related issues including unlocking/blocking, increasing lines, transaction monitoring for fraud and advising customers of fraud identified, resolving transactions and card related issues.

Performed in-depth research within systems to investigate customer and transactional activity for fraudulent and high-risk activity.

Communicated with customers who are victims of fraud.

Strong investigative/analytical skills and able to formulate and clearly articulate a supportable rationale for decisions.

Assisted in and proactively contributed to the development of fraud detection.

Communicated significant issues to management; made recommendations when weaknesses were identified.

Underwriter, July 2009 – November 2011

Previously employed at Lake Location as Fraud Analyst, QC and Retail Underwriter responsible for sample underwriting of five branches as second look QC prior to funding.

Pipeline of retail audits for fraud, quality production auditing of submissions for employee adherence to policies, procedures, and quality processing, and underwriting to include all first line and second line of defense risk elements.

Legal and Compliance Analyst - Remarketing of America, Pasadena, CA 6/2014 — 12/2016

Created two position manuals for the Compliance Coordinator and Repossessing Coordinator.

Conducted compliance training programs and issued regular memos detailing compliant work practices to promote employee awareness of company policies.

Vendor management included recruiting vendors, obtaining documents including financials, insurance, licenses, references, coverage area permissions, and industry data to determine compliance with company requirements.

Managed compliance activities and worked independently onsite and off-site as necessary.

Identified repossession agents in three countries and actively recruited them for membership with ROA, to perform asset recoveries.

Vetted each agent through a compliance process established by COMPASS, and managed large files of documentation.

Managed the complaints department temporarily for the insurance claims filed against vendors and monitored agent business practices.

Assisted other units as necessary.

Education

Enterprise Risk Management Certificate (ERM), CIA progress on hold, UCLA

CAMS in progress

JD on hold, progress (2-years) Taft Law School

Bachelor of Science Degree in Business Management (BSM), University of Phoenix

Undergrad at University of La Verne

Contact this candidate